Shouty Update

I have a replacement courtesy car. Phew. However - the story does not end there. The repair centre who have my truck (and who provided the courtesy car) went to fetch their broken down vehicle yesterday. Then I received a 'phone call telling me that I must have hit something in their car as the radiator valve had broken off the bottom - ergo - no water - car engine has seized up and now needs a replacement engine - and I would have to make a claim for the "accident" on my insurance. I told the little man that I hadn't hit anything at all and was just driving the car normally - but for some reason he wouldn't believe me. I am now facing a massive claim against my insurance for something that has nothing to do with me. I will lose my no claims bonus if this goes ahead. 

I have spoken at length to my insurers (Zurich) who are in a call centre far, far away (actually in India!) and of course - with the language barriers they are simply not 'getting' my story. They are now sending an accident investigator to look at the car to see if I am to blame.

I am not to blame - the car just bloody well broke down - how can it be my fault if their cars are crap?

I spoke to a friend of mine yesterday who is a mechanic and was told that if the valve was faulty it could go at any time - with or without warning - and they may have knocked it when getting the car off the transporter.

I'm at a bit of a loss as to what to do next to be honest - everyone is calling this a 'claim' and despite my repeated insistence to Zurich that I haven't had an 'accident' they are now calling it such and behaving as if I have had an accident.

I have a feeling that this is going to cost me a bloody fortune - and I really don't know how to fight back:(

Help - anyone?